Our Sustainability Vision & Goals
Vision
To be an environmentally and socially responsible financial institution built on the foundation of assurance. We are committed to generating long-term value for all our stakeholders.
Goals
Ensure profitability with ethical. environmental and social responsibility
Integrate ESG practices into LTF's business, operations and value chain
Achieve 'Best-in-Class' ESG Ratings
Sustainability Ratings
'B' Leadership band
Climate Change 2024
Top decile in the FBN Diversified Financial Services & Capital Markets Industry
Long-term rating
LTF received an MSCI ESG rating of 'A'
As of March 2024
ESG Risk Rating of 16.1 & was assessed by sustainalytics to be at low risk of experiencing material financial impacts from ESG factors
As of October 2024
Sustainability Highlights
as of March 31, 2023
94%
Retailisation
₹ 54,267 Cr
Total Retail Disbursements
₹ 80,036 Cr
Retail Book
₹ 2,320 Cr
Highest Ever Annual PAT
3.15%
GS3
0.79%
NS3
2.32%
Return on Assets (ROA)
10.35%
Return on Equity (ROE)
3.35
Debt-Equity Ratio (Average)
₹ 9,444 Cr
Sustainability-Focussed/Priority Sector Loans
Alignment to UNSDGs
30,534
Total Employee Headcount
27%
Women in Group Executive Committee
22%
Share of Women in STEM Related Positions
48%
Increase in FLIV-Grade Women Employees over FY23
13
Focussed DE&I Sensitisation and Awareness Sessions
1.60
Female to Male Compensation Ratio
4.6%
Women in the Workforce
40.55
Average Training Hours per Employee
26,000+
Field Force
Alignment to UNSDGs
₹ 23.83 Cr
Total CSR Spend
₹ 18.03 Cr
Spend over and above the CSR Obligation
12.70 lakh+
CSR Beneficiaries
1 lakh+
Beneficiaries Linked to Social Schemes
₹ 60 Cr+
Social Convergence Value
2 lakh+
Beneficiaries of Digital Seva Kendras
42 lakh+
CSR Beneficiaries(Until Date)
₹ 123 SROI
Completed Digital Sakhi Projects
ISO 26000:2010 Social Responsibility
Certificate of Conformance
64.20 lakh+
Number of Women Borrower
32.74 lakh+
Number of Repeat Women Borrowers
54
Overall Net Promoter Score (NPS)
Alignment to UNSDGs
~18%
Carbon (Scope 1+2) Emission Saved/Sequestered Y-o-Y
~1,840 tCO2e
Emissions Avoided (Green Power)
1,982 tCO2e
Sequestered through Plantation
~99%
Maharashtra Branches Switched to Green Power
39%
Company Operations on Green Power
50,000+
Saplings Planted
>95%
Overall Plantation Survival Rate
Amongst the 1st
to Report Financed Emission for Select Retail Portfolio
ISO 14064-2:2019
Quantification of the Net GHG Removals*
100%
Paperless Journey in Rural Group Loans, Two-Wheeler Finance, Farm Equipment Finance, Personal Loans and SME Finance
150+
Acres Green cover
~183 lakh kl
Water Replenished (Watershed Management)
Alignment to UNSDGs
2.3 Cr+
Customer Database
51.60%
Proportion of Rural Loan Book* from Low-Income States#
1,965
Number of Branches Pan India (including HO)
13,000+
Distribution Touchpoints
~2 lakh
Villages Served
100+
Cities/Towns Served
Alignment to UNSDGs
₹ 1,100 Cr+
Digital Collections
₹ 5,700 Cr+
Digital Sourcing
100%
Digital Disbursements (Rural + Urban)
216 lakh+
Customer Servicing Experience through Digital Channels
91 lakh+
PLANET App Downloads
4.4
Star Rating on Google Play Store (PLANET App)
4.3
Star Rating on iOS App Store (PLANET App)
